A. Eligibility For Sharing
Married* pregnant Members with an Annual Household Portion of $3,000 or higher who have faithfully shared from the month of conception through the month of delivery are eligible for maternity sharing.
Sharing is limited to $125,000 per pregnancy event. A “Pregnancy Event” Includes antepartum care, the cost of delivery, complications to the mother and/or child(ren), and postpartum care. Bills for the baby are considered part of the pregnancy event including admissions occurring within 72 hours of birth and continues until the final discharge to home.
To be eligible, delivery must be performed by one of the following:
- Medical Doctor
- Doctor of Osteopathy
- Midwife who is properly licensed, certified and/or registered in the state of delivery as required by state law. In the absence of state law requirement, Medi-Share requires at least a minimum of North American Registry of Midwives credential.
*Members who join or change their AHP level on or after September 1, 2020 must indicate “married” upon application or notify CCM if the marriage occurs within membership when changing their AHP level in order for maternity to be eligible for sharing.
B. Maternity Complications
If the maternity is eligible for sharing, the cost of treatment for complications to the mother is also eligible for sharing. The cost of treatment for child(ren) who become Members at birth is eligible for sharing.
C. Multiple Births
Multiple births are considered a single pregnancy event.
D. Newborn Status
If a parent is a Member at the time of delivery:
- The newborn can be a Member from birth if the Application to Add-on Family Member(s) is submitted within 30 days of delivery;
- If the newborn is not added to membership within 30 days of delivery, the child’s Effective Date will be the first day of the month following approval of the Application to Add-on Family Member(s) ), and pre-existing and congenital condition limitations will apply.
If the mother is not a Member from the time of conception through delivery, the following are instances where maternity bills are ineligible for sharing:
- Eligible Medical Bills incurred before the newborn’s Effective Date
- Unresolved maternity medical conditions of child or mother
If the mother is not a Member at the time of conception through delivery, the mother and/or child(ren) are ineligible for Extra Blessings for that pregnancy or complications from that pregnancy.
E. Well-Child Care
Medi-Share highly values the importance of family and wants to ensure newborns and children receive the very best care in the early stages of their life. Sharing for routine well-child care is eligible until the child reaches the age of six. Well-child care is defined as recommended, routine check-ups and associated lab work, excluding vaccinations and/or immunizations. Well-child care is not shared for members who select the DPC program option, as members who utilize a DPC provider will have access to well-child care through their DPC arrangement.
F. Pregnancies Of Unwed Mothers
Members agree that sex should be exclusively within Biblical Christian Marriage. Thus, maternity medical expenses for newborns conceived outside of marriage are ineligible for sharing. Pregnancies resulting from rape reported to a law enforcement authority are the only exception.
In order to encourage and support the preservation of the lives of these unborn children, Medi-Share is dedicated to assisting in arranging for maternity and adoption services through Christian organizations.